Slide 1: Q1 2026 Results Earnings Call
NASDAQ GLOBAL MARKET: CCLD, CCLDO Q1 2026 Results Earnings Call A leading provider of technology-enabled services and AI-based solutions for the healthcare revenue cycle. © CareCloud, Inc. 2026 1
Slide 2: Safe Harbor Statements
FORWARD-LOOKING STATEMENTS · DISCLOSURES Safe Harbor Statements This presentation contains forward-looking statements within the meaning of the federal securities laws. These statements relate to anticipated future events, future results of operations or future financial performance. In some cases,
Slide 3: Today's Speakers
Q1 2026 EARNINGS CALL · HOSTS Today's Speakers Mahmud Haq Stephen Snyder A. Hadi Chaudhry Norman Roth Founder & Executive Chairman Chief Executive Officer Chief Strategy Officer CFO & Corporate Controller FOR THE EXCLUSIVE USE OF INVESTORS & ANALYSTS · NASDAQ: CCLD, CCLDO © CareCloud, Inc. 2026 1
Slide 4: Opening Remarks: Stephen Snyder
OPENING REMARKS Stephen Snyder Chief Executive Officer © CareCloud, Inc. 2026 4
Slide 5: A strong, on-plan start to the year
Q1 2026 · FINANCIAL HIGHLIGHTS A strong, on-plan start to the year REVENUE · Q1 YEAR-OVER-YEAR ($M) REVENUE RECURRING REVENUE $31.3 $31.3M ~74% $27.6 +13% vs. $27.6M of total, up from 64% ADJUSTED EBITDA ADJ. EPS $5.4M $0.05 vs. $5.6M prior year in line with prior year Q1 2025 Q1 2026 GAAP impact: O
Slide 6: A watershed balance-sheet simplification
APRIL 2026 · CAPITAL STRUCTURE A watershed balance-sheet simplification 1 Series B fully redeemed NEW CREDIT FACILITY 100% redemption authorized April 14; ~$41.6M prefunded. Scheduled May 15, 2026. $50M 2 Preferred overhang removed Combined with March 2025 Series A conversion (~80%), the preferred-e
Slide 7: Confidence in our 2026 outlook
FULL-YEAR 2026 · GUIDANCE REAFFIRMED Confidence in our 2026 outlook REVENUE ADJUSTED EBITDA GAAP EPS $128–$132M $29–$31M $0.20–$0.23 Driven by RCM growth + AI ramp + 2025 Margin expansion as integration costs roll off >100% increase vs. 2025 EPS of $0.10 acquisition synergies through H2 More capabil
Slide 8: AI & Strategy: A. Hadi Chaudhry
AI & STRATEGY · A. Hadi Chaudhry Chief Strategy Officer © CareCloud, Inc. 2026 8
Slide 9: Three Tracks. One Compounding Investment.
OUR AI STRATEGY Three Tracks. One Compounding Investment. 01 02 03 Back-end Optimization Embedded AI in Existing New AI Products Apps AI applied to our own RCM, financial, and AI built into EHR, PM, patient engagement, Standalone AI for high-value workflows. administrative operations. and benchmarki
Slide 10: AI Inside Our Own Operations
TRACK 1 / BACK-END OPTIMIZATION AI Inside Our Own Operations OPERATIONS R&D RCM, Financial, Admin AI Across the SDLC Adopting AI tools across the software development lifecycle: Reducing claim errors across submission workflows Code generation Code review Improving documentation accuracy in RCM and
Slide 11: Watch the Lead Indicators, Not Just the Lag
TRACK 1 / HOW WE MEASURE PROGRESS Watch the Lead Indicators, Not Just the Lag LAG INDICATORS LEAD INDICATORS What already happened What predicts performance How early errors are caught in the workflow • Acceptance rates How many claims are pre-validated before submission • Denial ratios Human interv
Slide 12: AI Inside the Apps Clients Already Use
TRACK 2 / EMBEDDED AI AI Inside the Apps Clients Already Use EHR Practice Management Patient Engagement Benchmarking Clinical workflows Scheduling & intake Communications Performance analytics + AI embedded inside each platform THE THESIS ACQUISITION LEVERAGE Invisible AI Medsphere & MAP App Hospita
Slide 13: Depth Before Breadth
TRACK 3 / NEW AI PRODUCTS Depth Before Breadth stratusAI EXPANDING stratusAI COMPLEMENTARY cirrusAI EXPANDING TO INPATIENT Desk Agent Voice Audit Notes Agentic AI Front Desk Conversational Intelligence Ambient Clinical Documentation Q1 STATUS Q1 STATUS Q1 STATUS Continued signing new business — almo
Slide 14: What's Coming Next
TRACK 3 / THE PIPELINE What's Coming Next In active development inside the AI Center of Excellence — bringing to market is a goal for this year. 1 In Development 2 In Development 3 In Development AI Prior Authorization AI-Assisted Medical Coding Additional Clinical Documentation Automating one of th
Slide 15: Each Track De-Risks the Others
WHY THREE TRACKS TOGETHER Each Track De-Risks the Others Only Track 3 ALL THREE AT ONCE Bet rests entirely on new products achieving scale. CareCloud's AI Strategy Only Track 1 Internal AI improves economics regardless of new-product scale Captures margin, but doesn't differentiate the product. Embe
Slide 16: Financial Review: Norman Roth
FINANCIAL REVIEW Norman Roth Interim CFO & Corporate Controller © CareCloud, Inc. 2026 16
Slide 17: Q1 2026 Highlights
Q1 2026 · FINANCIAL REVIEW Q1 2026 Highlights Revenue Net Income $M $M $31.3 $27.6 $1.9 $0.9 Q1 2025 Q1 2026 Q1 2025 Q1 2026 8th consecutive quarter of positive GAAP net income · recurring tech-enabled revenue +$5.3M Y/Y © CareCloud, Inc. 2026 17
Slide 18: Q1 2026 Highlights — Non-GAAP
Q1 2026 · FINANCIAL REVIEW Q1 2026 Highlights — Non-GAAP Adjusted EBITDA* Free Cash Flow* Adjusted Net Income* $M $M $M $5.6 $5.4 $3.6 $2.3 $2.2 $2.4 Q1 2025 Q1 2026 Q1 2025 Q1 2026 Q1 2025 Q1 2026 * Non-GAAP measure — see appendix for reconciliation © CareCloud, Inc. 2026 18
Slide 19: Closing Remarks: Mahmud Haq
CLOSING REMARKS Mahmud Haq Founder & Executive Chairman © CareCloud, Inc. 2026 19
Slide 20: Thank You
Thank You carecloud.com INVESTOR RELATIONS ir.carecloud.com Stephen Snyder · Chief Executive Officer ir@carecloud.com © CareCloud, Inc. 2026 20
Slide 21: GAAP Net Income to Adjusted EBITDA
A1 · NON-GAAP RECONCILIATION GAAP Net Income to Adjusted EBITDA $ in thousands Q1 2025 Q1 2026 GAAP net income $ 1,948 $ 922 Provision for income taxes 41 52 Net interest expense 16 48 Foreign exchange / other expense 19 32 Stock-based compensation expense 108 64 Depreciation and amortization 3,337
Slide 22: GAAP Net Income to Adjusted Net Income
A2 · NON-GAAP RECONCILIATION GAAP Net Income to Adjusted Net Income $ in thousands Q1 2025 Q1 2026 GAAP net income $ 1,948 $ 922 Foreign exchange / other expense 19 32 Stock-based compensation expense 108 64 Amortization of purchased intangible assets 89 928 Transaction and integration costs 12 158
Slide 23: Net Cash Provided by Operating Activities to Free Cash Flow
A3 · NON-GAAP RECONCILIATION Net Cash Provided by Operating Activities to Free Cash Flow $ in thousands Q1 2025 Q1 2026 Net cash provided by operating activities $ 5,113 $ 3,611 Purchases of property and equipment (624) (412) Capitalized software & other intangibles (846) (820) Free Cash Flow $ 3,64